Has it ever occurred to you having to pay for something and having to put your hand in your pocket or opened your wallet only to discover that you didn't have enough cash to pay? It doesn't usually happen, but there have been definitely times when you had to turn to somebody else to ask for a modest money loan.

With outsourcing, downsizing and plant shutdowns increasing, more and more people are finding themselves competing with youthful college graduates as well as their friends for the ever-shrinking supply of desirable jobs.